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Send money to Kenya

Find the best way to transfer money from the United States to Kenya.

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Xe

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Looking for the best way to send money from the United States to family, friends or businesses in Kenya (or even to your own bank account)? Don't head straight to your American bank - turn to online money transfer services instead. They nearly always offer better exchange rates and lower fees - which means for the same amount of dollars you send, the recipient will receive more shillings.

Compare ways of sending money to Kenya

Use our table below to compare services that send money from America to Kenya. Compare the money transfer providers' fees and speeds, then click "Go to site" when you've found the best one to send your US Dollars to Kenya.

1 - 5 of 5
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
Xe
Within minutes
$3

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Xe has fast transfers with low fees and a range of foreign currency tools.
WorldRemit
Within an hour
From $1.99

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Use the code ‘4FREEFINDER’ to get 4 free transfers if you are a first time user. Eligible countries only.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From 0.41%

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Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Remitly
Within minutes
From $0

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Use code FINDERUSA20 for $20 off your first transfer from the US when you send at least $250. T&Cs apply.
Free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Remitly
Within minutes
From $0

View details
Use code FINDERUSA20 for $20 off your first transfer from the US when you send at least $250. T&Cs apply.
Free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
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Compare up to 4 providers


How to send money to Kenya from the United States

Here's our simple process for sending a money transfer to Kenya as a cash pickup or bank transfer - the two options are similar:

  1. Compare your options.
    Use our table above to find a money transfer provider that sends USD to Kenya. One may be better for cash pickups while another might be better suited to a bank transfer. Once you've found the best one for your requirements, click Go to site.
  2. Register for an account.
    You'll need to give your name, address, contact details, proof of ID and method of payment.
  3. Provide recipient details.
    Enter your recipient's name and contact information. If you're sending straight to their Kenyan bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
  4. Enter the transfer amount.
    Check you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Many services give the amount of Kenyan Shilling your recipient should receive, so double check this.
  5. Complete your transfer.
    Send your money transfer to Kenya. Keep any reference number safe so you can track your transfer - your recipient may need it too.

If you send to a Kenyan bank account, your recipient will need to wait for the funds to arrive. For a cash pick up, your Kenyan recipient will need to show some form of photo ID in order to pick up the funds. It's also important that you give them the transaction reference number to streamline the process.

For larger transfer amounts, you may need to phone the agent location to ensure it has enough cash available.

Ways to send and receive money

How to decide which option is best for you to send money to Kenya.

  • Bank deposit. Most major banks in America let you wire money to banks in Kenya. However, you might get weaker exchange rates and pay higher fees all for the privilege of a slower transfer.
  • Online money transfer services. Online companies like Xe and WorldRemit make international money transfers to Kenya easy with bank transfers or cell phone top ups often offered as easy delivery options.
  • Transfer agents across America. Many transfer providers have locations dotted all across America, making it easy for you to send money that can be easily picked up in similar agent locations in Kenya.
  • Checks and money orders. If speed is not an issue, you can always pick up an international check from your bank or the US Postal Service to send to Kenya.
  • Cash pick-up. Xe and WorldRemit allow you to collect cash, even if you don't have a bank account in Kenya.
  • Bank deposit. If you have a Kenyan bank account, you can have money transferred directly into this without having to make any trips to a money transfer agent location.
  • PayPal. The Xoom app allows you to receive money from the United States onto your cell phone, into your Kenyan bank account, or as a cash pick-up.
  • Checks and money orders. Both personal checks and money orders can be sent directly to you where you live but these tend to be the slower options.

What documents do I need to transfer money to Kenya?

To send money from the United States to Kenya, you'll need the following:

1. Photo identification

Most providers require a driver's license, passport or other American government-issued ID. You can send transfers without the above but may need to give alternate ID instead.

2. Payment method

Your options depend on the provider's services. Popular methods include cash, debit or credit card payments, bank account transfers and personal checks.

3. Recipient information

You'll need their name (matching their ID) plus contact details. If sending to a Kenyan bank account, you'll need the a/c number, SWIFT and branch details.

What documents do I need to receive money in Kenya?

To collect money in person in Kenya, the recipient will need:

1. Transfer number

The reference number - sometimes called a PIN, MTCN or tracking number.

2. Government-issued ID

A official ID, such as a Kenyan passport or driving license.

3. The transfer amount

To know how much has been sent, usually to within 10% of the total.

4. Sender information

The sender's name and address and the country from where the money was sent.

How much does it cost to send money to Kenya from America?

The cost of sending money to Kenya from the United States depends on the exchange rate between USD to KES, the fees, how you want your recipient to receive your transfer and the turnaround time:

  • Exchange rates. The mid-market rate is the rate banks and transfer services use to trade between one another. It is the best rate that you can get. But not all money transfer providers offer you this mid-market rate so compare the exchange rate you're offered to the mid-market rate and look for the smallest difference.
  • Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to Kenya for a flat or low fee might work out better if you plan to send a large amount.
  • Transfer speed. If you need your transfer to arrive quickly, you can pay for a quick delivery. Companies such as Xe and WorldRemit offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services can offer the best value, usually getting your money to Kenya faster and cheaper than banks.
  • Transfer limits. Find out how much you can send with each service. For example, one provider may have a send limit of $10,000 while another may allow you to transfer up to $1 million. For smaller transfers, check the fees. For large transfers, look harder at the exchange rate. Some providers encourage large transfers with low fees.
  • Transfer type. Does your recipient have a Kenyan bank account or is cash or cell phone top up the better option? Each transfer type will have different fees. For example, instant cash pickups tend to be more expensive than bank transfers.
  • Discounts. Some providers may offer you a free transfer simply for signing up while others may offer you a discount if you transfer more than a certain amount.
Looking for the best exchange rate? Discover the USD/KES exchange rate rates and historical changes.

Frequently asked questions

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6 Responses

  1. Default Gravatar
    AlexAugust 29, 2018

    Hello how can one send $450 from usa cheaply to kenya…..

    • Default Gravatar
      joelmarceloAugust 29, 2018

      Hi Alex,

      Thanks for leaving a question on finder.

      You can see a personalized comparison of providers who can send money to Kenya if you fill out the form above next to “I want to send”. Enter S450 choose USD on the first dropdown and KES on the next. Finally click on Calculate and it will show a comparison specific to your requirements. Once you have chosen which provider to go to, simply click on “Go to site” to be redirected to their page.

      Cheers,
      Joel

  2. Default Gravatar
    CharlesAugust 7, 2018

    I have a US$ account in a Kenyan bank and would like to send US$2,000 direct into my account. Most money transfer service providers insist on converting my US$ to be received in KES in Kenya. Are there service providers who can transfer dollars to a dollar account in Kenya?

    • Avatarfinder Customer Care
      JoshuaAugust 14, 2018Staff

      Hi Charles,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Generally, your USD would automatically be converted into the local currency. However, if you want to keep it in USD, then the common way to do it is simply do a bank to bank money transfer. However, this is only possible if your recipient has a USD bank account.

      Another way to do it is find a platform that allows you to send and receive the same currencies. This may include PayPal and Payoneer. These two platforms allow you to send USD money and your recipient will receive it in USD money. However, if your recipient needs to transfer it to their bank account, it will still be converted to local currency unless the bank account is in USD.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  3. Default Gravatar
    JohnFebruary 26, 2017

    Can money come with a plane, carrier

    • Avatarfinder Customer Care
      AnndyJune 27, 2017Staff

      Hi John,

      Thanks for your question.

      If you are referring to how to receive the money sent to you, there are different options available depending on the money transfer company. Generally, recipients can receive money by cash pick up or through a bank account.

      Cheers,
      Anndy

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